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  • If you're totally disabled, you may qualify to have your Life premium payments waived for a specific period of time

  • If you have a terminal illness, you can apply for a portion of Life insurance funds early

  • Family may be eligible for a Higher Ed., Child Care or Career Adj. benefit if you die as a result of an accident

What is Life Insurance

A time could come when death or a serious accident keeps you from providing for your family. Group Life insurance can help protect your family’s finances if something happens to you.

A death might leave your loved ones facing expenses they couldn’t pay without your income. Besides everyday bills, they could run into extra costs for things like final medical care or a funeral. If an accident left you with a serious injury, you might need to pay for special care and modified living arrangements.

How can Life insurance help make things easier for the people you care about?

  • Life insurance can be used to help protect the people who depend on your income by paying them an amount of money specified in the policy if you die.

These benefits can help pay for things like the mortgage, college tuition, child-care costs or daily living expenses. Usually, employers offer these two types of insurance together, but not always.


Over half of American households lack enough emergency savings to cover three months of expenses.

Back surgery

Karen’s Husband2

Karen's husband died while they were on vacation abroad. The loss devastated her family, but the Life insurance coverage he had through his employer made handling planned and unplanned expenses easier.

The $200,000 Karen received helped her pay for:

  • Funeral expenses
  • Remaining mortgage
  • Credit card and auto loan debt
  • Transporting remains to the mortuary
  • Living expenses for six months

Check with your employer to see if your employer’s policy from The Standard includes these benefits.

Plan Availability

All States

Enrollment Deadline18th of month Prior to Effective date
BenefitsMaximum coverage 3 times salary up to $150,000

  • Guaranteed Issue

  • No Medical Questions

  • No MIB Reporting

  • No Medical Exam Needed

  • Unisex Rates

  • All Rates Are Non-Smoker

Must meet the following criteria to be eligible for coverage:

1. full-time employment, working 20 or more hours per week,

2. 30 days of continuous employment with the employer,

3. actively at work on the effective date of coverage, and

4. Must be between 18 and 69 years of age for Guaranteedd Issue.

Waiver of Premium RiderAll premiums related to the covered person’s coverage, will be waived once the covered employee has been totally disabled for six consecutive months. Premiums will continue to be waived as long as the covered employee is totally disabled.
Portability ProvisionIf the covered person’s loses employment with the employer or changes jobs, the covered person’s has the option to continue coverage and pay premiums.
Conversion OptionWhen coverage terminates, the covered person’s has the option to convert the Term Life coverage to a Permanent life insurance plan offered by the carrier at the same Death Benefit level.
Age Reduction Formula

Benefits decrease to:
Ends at age 85
65% of their benefit at the employee’s age 65;
50% at employee’s age 70;
25% at employee’s age 75;
and terminates if you leave the association.

Underwritten by

About Standard Life and Accident Insurance Company

Standard Life and Accident Insurance Company (Standard Life) was founded to provide clients with realistic life and health products that solve their needs for financial security.

Since its inception, more than 70 years ago, the Company's ethic has never changed. "People's needs change from day to day. The shrinking value of the dollar makes insurance protection more important to the individual...We must develop think-ahead programs today which will provide benefits in keeping with the economic changes of tomorrow. While we've grown so fast, it has not been at the expense of the human factor, so vital to this business. Efficiency is emphasized. However, we try never to lose sight of the personal aspects of our relations with policyowners and business clients, as well as our own agents and employees." Leonard H. Savage, President 1948-1973, Standard Life and Accident Insurance Company.

Standard Life and Accident Insurance Company (“Standard Life”) has been evaluated and assigned the following ratings by nationally recognized, independent rating agencies. The ratings are current as of November 2018.

A.M. Best1: A
Standard & Poor's2: A-  

Ratings reflect current independent opinions of the financial capacity of an insurance organization to meet the obligations of its insurance policies and contracts in accordance with their terms. They are based on comprehensive quantitative and qualitative evaluations of the company and its management strategy. The rating agencies do not provide ratings as a recommendation to purchase insurance or annuities. The ratings are not a warranty of an insurer’s current or future ability to meet its contractual obligations. 

Ratings may be changed, suspended, or withdrawn at any time.

1A.M. Best’s active company rating scale is: A++ (Superior), A+ (Superior), A (Excellent), A- (Excellent), B++ (Good), B+ (Good), B (Fair), B- (Fair), C++ (Marginal), C+ (Marginal), C (Weak), C- (Weak) and D (Poor).

2Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. For a list of Standard & Poor's active company rating scale visit www.standardandpoors.com.

Untitled Document As used in this Policy, the terms, below, have the meanings assigned.
ACTIVELY AT WORK means an Eligible Employee is:
1. Performing in the usual manner all of the regular duties of his/her occupation on a scheduled work day; and
2. Performing these duties at one of the places of business where he/she normally works or at some location directed by the employer.
The Eligible Employee is considered to be Actively at Work on a day which is not a scheduled work day only if he/she would be able to perform in the usual manner all of the regular duties of his/her occupation if it were a scheduled work day. The Eligible Employee must also have been Actively at Work on the last preceding regular work day.
ADULT DEPENDENT/OTHER ADULT DEPENDENT means the Covered Employee's domestic partner, or civil union partner, under Age 65, where any such relationship is legally recognized in this Policy's State of Issue; or relationships as otherwise agreed upon between the Policyholder and Us, in writing.
AGE means a Covered Person's age as of his/her last birthday.
BASIC BENEFIT means the amount of life insurance coverage provided to a Covered Employee by the Policyholder at no cost to such Covered Employee.
BENEFICIARY means the entity to which a Death Benefit is payable.
CERTIFICATEHOLDER means a Covered Employee.
CHILD(REN) means an unmarried child less than Age 26, financially dependent upon the Covered Employee for support, who is:
1. A natural child;
2. A legally adopted child, or a child for whom adoption proceedings have begun;
3. A stepchild that lives with the Employee;
4. A child that lives with the Employee and for whom the Covered Employee has been appointed legal guardian; or
5. Grandchildren.
COVERED EMPLOYEE means the Policyholder's Employee whose coverage under this Policy is in effect.
COVERED PERSON means the Employee and any Dependents of the Covered Employee whose coverage under this Policy is in effect.
DEATH BENEFIT means the amount payable upon the death of a Covered Person.
DEPENDENT means the Employee's Spouse, Adult Dependent, and/or Child(ren). A Dependent cannot be an Employee.
EMPLOYEE means a person who performs services for the Policyholder for wages or salary.
ELIGIBLE EMPLOYEE means the Policyholder's Employee who is Actively at Work and meets the other Employee eligibility requirements for being a Covered Employee for Basic Benefit coverage.
POLICY YEAR means the period of time that starts on the Policy Date and ends 12 months later. A new Policy Year begins on each Policy Anniversary.
SPOUSE means the person who is legally married to the Covered Employee.
SUPPLEMENTAL BENEFIT means any life insurance coverage in addition to the Basic Benefit requested and purchased, in whole or in part, by the Employee for his/her life and the lives of such Employee's Dependents, if elected and issued. Part of the Supplemental Benefit coverage may be provided on a Guaranteedd issue basis, subject to initial participation requirements established by the Policyholder and the Company.
If allowed by the Policyholder, additional coverage amounts subject to Our underwriting requirements in effect on the date such coverage is requested, may be requested by the Employee.
TOBACCO USER means a Covered Person who has used any tobacco product within the 12 months, immediately preceding such Covered Person's Certificate Date.
WE, US, or OUR means Standard Life and Accident Insurance Company.
YOU or YOUR means the Covered Employee.


DEATH BENEFIT AMOUNT - Upon receipt of satisfactory proof of a Covered Person's death, We will pay the applicable Death Benefit to the deceased Covered Person's Beneficiary. The amount payable will be the Death Benefit in effect for the deceased Covered Person on the date of such Covered Person's death.
The Death Benefit for a Covered Employee, Covered Adult Dependent or Spouse, decreases on the Policy Anniversary following that Covered Employee's 65th, 70th, and 75th birthdays. The reduction is as follows:
65 65% of pre-age 65 Death Benefit.
70 50% of pre-age 65 Death Benefit.
75 25% of pre-age 65 Death Benefit.
The Death Benefit applicable to each Child between the Ages 1 and 14 days is $250. The Death Benef



We will not pay the Death Benefit when a Covered Person dies by suicide, whether sane or insane, within two years (one year in Colorado, Missouri, and North Dakota) from the date such benefit or increase in such benefit became effective. However, an increase due to a change in a Covered Employee's salary is not subject to this limitation.
If a Covered Person dies by suicide within the timeframes stated above, We will pay the deceased Covered Person's Beneficiary an amount equal to the total premium paid for the deceased Covered Person's coverage.

If the Basic Benefit coverage terminates, all Supplemental Benefit coverage will terminate for all Covered Persons.
A Covered Employee's Basic Benefit coverage will end upon the earliest of the following:
1. The date of the Covered Employee's death;
2. The last day of the month in which the Covered Employee no longer qualifies for coverage as an Eligible Employee;
3. The date this Policy terminates; or
4. Coverage will also end if a Covered Employee submits a fraudulent claim to Us.
A Covered Employee's Supplemental Benefit coverage will end on the earliest of:
1. The date the Covered Employee's Basic Benefit coverage terminates;
2. The Policy Anniversary, if the Covered Employee elects not to enroll for the next Policy Year; or
3. The Policy Anniversary next following the Covered Employee's 85th birthday;
4. The date the Policyholder discontinues offering the Supplemental Benefit for the Covered Employee's classification; or
5. Coverage will also end if a Covered Employee submits a fraudulent claim to Us.
Dependent Supplemental Benefit coverage will end on the earliest of the following:
1. The date the Covered Employee's Basic Benefit terminates;
2. The date the Covered Employee's Supplemental Benefit terminates;
3. The Policy Anniversary, if the Covered Employee elects not to enroll for the next Policy Year;
4. The date the Policyholder discontinues offering Dependent Life Insurance for the Covered Employee's classification;
5. The date a Dependent becomes a Covered Employee under this Policy (for that Dependent only);
6. The last day of the month following the date the Covered Employee and Spouse divorce, (for Spouse only);
7. The Policy Anniversary next following the Spouse's or Other Adult Dependent's 65th birthday
8. The last day of the month following the date the Covered Employee and Other Adult Dependent partnership is dissolved, (for Other Adult Dependent only);
9. The last day of the month following the date a Dependent Child marries (for that Child only); or
10. The Policy Anniversary next following a Dependent Child's 25th birthday (for that Child only).
11. Coverage will also end if a Covered Person submits a fraudulent claim to Us.


When coverage terminates, including termination for a class of persons, a Covered Person may convert his/her coverage under the Policy to permanent life insurance on a policy form that We then issue, without any optional riders. If coverage terminates for a class of persons, a Covered Person must have been insured under the Policy for at least five years in a row before the termination date to be eligible for conversion.
The amount of the converted coverage will not to exceed the Covered Person's Death Benefit. In the case of conversion based on termination of a class of persons, the amount of the converted coverage is limited to the lesser of: (a) $10,000; or (b) the amount of your life insurance which terminates, minus the amount of other group insurance for which a Covered Person becomes eligible within 31 days of the date insurance terminated.
SL-GTL12-P-DE 11
We will send written notice of the right to elect conversion. We must receive the conversion application and any required premium within 31 days of the date coverage under the Policy terminates. If We do not send the written notice of the conversion right at least 15 days prior to the end of the 31 day conversion period, the Covered Person will have an additional period within which to exercise conversion. This additional period will end 15 days after We give notice, but in no event will the period extend beyond 60 days after the end of the initial 31 day period.
If the Covered Person dies within the 31-day period allowed for the election of this option, We will pay the death benefit whether or not the notice of the election for this option or the payment of the first premium has been made. However, We will reduce the death benefit payment by the amount of premium necessary to provide insurance to the date of the Covered Person's death.
Conversion is not available if termination is the result of:
1. A fraudulent claim;
2. The Covered Employee's decision not to elect Dependent coverage for the next Policy Year;
3. Non-payment of premium; or
4. The Covered Employee reaches the age of 85 or the Spouse or Other Adult Dependent reaches the age of 65.
If a Covered Employee becomes Totally Disabled, his life insurance may be continued in force, subject to payment of premium, for a period of 6 months from the date on which the Total Disability started. The terms as to proof of Total Disability are as follows:
A. Proof must be given to the Company as often as it so requests, within reason.
B. Upon receipt of such proof, the Company may require that a Physician examine the Covered Employee to verify Total Disability. Any such exam will be at the expense of the Covered Employee.
Payment will be made under this provision only if coverage is in effect on the date of the Covered Employee's death.
The amount of insurance to be continued under this provision is the amount that was in force on the date that the Total Disability started.
All rights under this section shall cease, and any continuation of insurance shall end, on the earliest of:
A. the date Total Disability ceases;
B. the date the Covered Employee fails to give required proof of Total Disability;
C. the date the Covered Employee fails to take a required medical exam; or
D. the date the Policy terminates.
Should insurance cease for any of the reasons given above, the Covered Employee shall have the right to convert coverage.
Totally Disability means the inability of the Covered Employee, because of a bodily injury or disease, to engage in any occupation for which he or she is qualified by education, training, or experience.

CLAIMS PROCEDURE - Satisfactory proof of a Covered Person's death must be submitted to Us at Our Home Office. The Beneficiary or a personal representative may request a claim form by calling Our toll-free telephone number listed on the Cover Page.
ADJUSTMENTS IN THE EVENT OF ERROR IN AGE - If the Age of any Covered Person is misstated, We will make an equitable adjustment in either the premium or amount of insurance for such person. We will adjust any claims payable under this Policy to that amount of insurance that the premiums paid would have purchased based on the Covered Person's correct Age.
ADJUSTMENTS IN THE EVENT OF CLERICAL ERROR - Clerical error will not void insurance otherwise validly in force, nor will it continue or make insurance valid that otherwise would cease or would never have been issued.
CERTIFICATES We will provide a Certificate to the Policyholder, for delivery to each Covered Employee. The Certificate provides evidence of coverage under this Policy and is not a contract of insurance. All benefits payable under this Policy are paid only in accordance with all this Policy's terms and conditions.
CONFORMITY WITH STATE STATUTES - Any provision of this Policy, which is in conflict with the statutes of the State of Issue, is hereby amended to conform to the minimum requirements of such statutes.
ENTIRE CONTRACT - The Entire Contract consists of this Policy, any attached Amendments, Endorsements, or Riders, the Policyholder's Application, the Enrollment Application of each Covered Person, and the Certificate provided to each Covered Employee.
NO DIVIDENDS PAYABLE - This Policy does not participate in the profits or surplus earnings of the Company.
POLICYHOLDER IS AN AGENT OF THE COVERED EMPLOYEE For all purposes related to the insurance provided under this Policy, the Policyholder acts as an agent of the Covered Employee. The Policyholder does not, therefore, act as Our agent for any purpose related to this Policy.
RIGHT TO CONTEST - We will not use any statement to void or reduce benefits under this Policy after it has been in force for two years from the Effective Date.
For any underwritten Supplemental Benefit, We will not use any statement to void or reduce such benefit after such benefit has been in force for two years from its Effective Date. For increases in the Supplemental Benefit, Our two-year right to contest starts anew on the effective date of the increased amount, but will only apply to such increased amount.
Any such statements would have to be in a signed form. All statements made are considered representations and not warranties. No such statement will be used in any contest, unless a copy of such statement is attached to this Policy and a copy of the statement has been furnished to the Policyholder.
TIME EFFECTIVE For any dates used in this Policy, the effective time will be 12:01 AM at the Policyholder's address.

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